Personal Banking

America's Best Checking™ Account

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Compare Personal Checking Account Options

Whether you are searching for checking accounts with no minimum balance, or you want to earn interest and are able to maintain a minimum balance, you'll find the checking account that's right for you at Bell. 

$50 minimum deposit to open all checking accounts

America's Best FREE Checking 

America's Best Interest Checking

America's Best Premier Interest Checking

Sneaky fees

Sneaky Fees UNMASKED

Find out where sneaky fees are hiding at your bank with our bank fee comparison tool. See how much you could save on out-of-network ATM, minimum balance, paper statement fees and more! 

FREE Account Features and Benefits

  • FREE

    Nationwide ATMs

    Bell never charges you for using any ATM - ours or someone else's. Bell will automatically refund the first four ATM fees (charged by the machine owner) on your monthly statement. 
  • FREE

    Mobile App and Online Banking

    Pay bills, check balances, transfer funds, set alerts and deposit checks on your desktop or mobile phone. (There may be a fee for expedited Bill Pay.)
  • FREE

    Identity Theft Recovery

    With up to $10,000 expense reimbursement insurance (underwritten by Lyndon Southern Insurance Co.), even for non-Bell Bank accounts.
  • FREE

    Personalized Debit Card

    Make your debit card as unique as you. Proudly show off your children, pets, favorite vacation spot, or even your local sports team.
  • FREE

    Standard Checks

    Order unlimited standard check blanks online, in person or over the phone.
  • FREE

    CardValet®

    Control debit card usage and spending on the go! Turn your debit card on and off, set transaction controls and receive alerts. (Registered trademark of Fiserv, Inc.)
  • FREE

    ChangeSaver™

    Round up your debit card purchases, deposit the difference into your savings account & receive a 5%* match from Bell – up to $250 a year!
  • FREE

    Zelle®

    Zelle® is a fast, safe and easy way to send and request money1 with friends, family and others you trust.

    Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 1. Must have a bank account in the U.S. to use Zelle®.

Mobile Check Deposit

Switch to a Checking Account You'll Love

We make personal banking easy just for you. Choose from two convenient ways to open a checking account by signing up online or stopping by a location.
*5% ChangeSaver match will be reported to the IRS on Form 1099INT. Must be enrolled in ChangeSaver and have checking and savings account open on last day of the year to receive 5% match. If you close either account before the end of the year, matching funds are forfeited.

Still Have Questions?

Our team is available to help answer your questions about personal banking. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 a.m. to 10:00 p.m. CT, and weekends from 7:00 a.m. to 6:00 p.m. CT.